EP2347376A4 - System and method for effecting real-time financial transactions between delayed-settlement financial accounts - Google Patents
System and method for effecting real-time financial transactions between delayed-settlement financial accountsInfo
- Publication number
- EP2347376A4 EP2347376A4 EP09811889.6A EP09811889A EP2347376A4 EP 2347376 A4 EP2347376 A4 EP 2347376A4 EP 09811889 A EP09811889 A EP 09811889A EP 2347376 A4 EP2347376 A4 EP 2347376A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- financial
- delayed
- time
- secure
- settlement
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Withdrawn
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US9177008P | 2008-08-26 | 2008-08-26 | |
US12/437,475 US20100057614A1 (en) | 2008-08-26 | 2009-05-07 | System and method for effecting real-time financial transactions between delayed-settlement financial accounts |
PCT/US2009/049798 WO2010027558A2 (en) | 2008-08-26 | 2009-07-07 | System and method for effecting real-time financial transactions between delayed-settlement financial accounts |
Publications (2)
Publication Number | Publication Date |
---|---|
EP2347376A2 EP2347376A2 (en) | 2011-07-27 |
EP2347376A4 true EP2347376A4 (en) | 2013-11-20 |
Family
ID=41726754
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP09811889.6A Withdrawn EP2347376A4 (en) | 2008-08-26 | 2009-07-07 | System and method for effecting real-time financial transactions between delayed-settlement financial accounts |
Country Status (6)
Country | Link |
---|---|
US (1) | US20100057614A1 (en) |
EP (1) | EP2347376A4 (en) |
JP (1) | JP5524210B2 (en) |
KR (1) | KR101457750B1 (en) |
CN (1) | CN102216943A (en) |
WO (1) | WO2010027558A2 (en) |
Families Citing this family (21)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8930272B2 (en) * | 2008-12-19 | 2015-01-06 | Ebay Inc. | Systems and methods for mobile transactions |
US9280875B2 (en) * | 2009-03-06 | 2016-03-08 | Zynga Inc. | Virtual playing chips in a multiuser online game network |
US9131007B2 (en) * | 2009-05-19 | 2015-09-08 | Vitrual World Computing, Inc. | System and method for dynamically transcoding data requests |
US8433914B1 (en) * | 2010-02-25 | 2013-04-30 | Emc Corporation | Multi-channel transaction signing |
US8538845B2 (en) | 2011-06-03 | 2013-09-17 | Mozido, Llc | Monetary transaction system |
US8463661B2 (en) | 2011-10-26 | 2013-06-11 | Fragmob, Llc | Credit card authorization process for direct sales system employing networked mobile computing devices |
US10438196B2 (en) | 2011-11-21 | 2019-10-08 | Mozido, Inc. | Using a mobile wallet infrastructure to support multiple mobile wallet providers |
US9208488B2 (en) | 2011-11-21 | 2015-12-08 | Mozido, Inc. | Using a mobile wallet infrastructure to support multiple mobile wallet providers |
US11593800B2 (en) | 2012-03-07 | 2023-02-28 | Early Warning Services, Llc | System and method for transferring funds |
US8423459B1 (en) * | 2012-03-30 | 2013-04-16 | Google Inc. | Prioritizing potential transaction counter-parties with social network content |
US9621628B1 (en) * | 2012-09-21 | 2017-04-11 | EA Holdings, Inc. | Mobile image capture and transmission of documents to a secure repository |
US8955076B1 (en) | 2012-12-28 | 2015-02-10 | Emc Corporation | Controlling access to a protected resource using multiple user devices |
US9870556B2 (en) | 2013-05-22 | 2018-01-16 | Google Llc | Split tender in a prepaid architecture |
US20140351040A1 (en) * | 2013-05-22 | 2014-11-27 | Google Inc. | Receipt rendering in a prepaid architecture |
US8690054B1 (en) | 2013-05-29 | 2014-04-08 | The Toronto-Dominion Bank | System and method for chip-enabled card transaction processing and alert communication |
RU2016108315A (en) * | 2013-08-12 | 2017-09-19 | Хеон Со ПАК | ELECTRONIC DEVICE, MANAGEMENT SYSTEM, RECORDING MEDIA AND METHOD FOR USING AN EXTRA CODE |
US10515368B1 (en) | 2013-10-01 | 2019-12-24 | Wells Fargo Bank, N.A. | Interbank account verification and funds transfer system and method |
US11068866B1 (en) | 2015-02-17 | 2021-07-20 | Wells Fargo Bank, N.A. | Real-time interbank transactions systems and methods |
JP6727299B2 (en) * | 2015-07-13 | 2020-07-22 | クリアエクスチェンジ,エルエルシー | System and method for promoting secure transactions in non-financial institution systems |
US11386410B2 (en) | 2015-07-21 | 2022-07-12 | Early Warning Services, Llc | Secure transactions with offline device |
US10693855B1 (en) * | 2016-03-31 | 2020-06-23 | EMC IP Holding Company LLC | Fraud detection |
Family Cites Families (17)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20020174016A1 (en) * | 1997-06-16 | 2002-11-21 | Vincent Cuervo | Multiple accounts and purposes card method and system |
US6990586B1 (en) * | 2000-06-02 | 2006-01-24 | International Business Machines Corp. | Secure data transmission from unsecured input environments |
JP2001357214A (en) * | 2000-06-12 | 2001-12-26 | Ntt Comware Corp | Method and system for remittance of virtual bank and recording medium with the same method programmed |
US7415442B1 (en) * | 2000-09-26 | 2008-08-19 | Integrated Technological Systems, Inc. | Integrated technology money transfer system |
JP3433735B2 (en) * | 2001-03-21 | 2003-08-04 | 安田金属工業株式会社 | Automatic cash transfer method |
JP2002288570A (en) * | 2001-03-27 | 2002-10-04 | Izumu:Kk | Debit card participant user control substituting method, credit card participant user control substituting method, electronic money participant user control substituting method, debit card settlement method and credit card settlement method |
JP2002297915A (en) * | 2001-03-30 | 2002-10-11 | Matsushita Electric Ind Co Ltd | Settlement system, settlement request terminal and settlement method |
US7225156B2 (en) * | 2001-07-11 | 2007-05-29 | Fisher Douglas C | Persistent dynamic payment service |
JP2004102711A (en) * | 2002-09-10 | 2004-04-02 | Mizuho Bank Ltd | Transfer processing method and transfer processing program |
WO2006039364A2 (en) * | 2004-10-01 | 2006-04-13 | Solidus Networks, Inc. D/B/A/ Pay By Touch | System and method for electronic check verification over a network |
JP2006127390A (en) * | 2004-11-01 | 2006-05-18 | Glory Ltd | Debit payment system using cellular phone terminal and its method |
WO2006054503A1 (en) * | 2004-11-19 | 2006-05-26 | Ebank Corporation | Electronic settlement system, electronic settlement method, and program |
US20070255662A1 (en) * | 2006-03-30 | 2007-11-01 | Obopay Inc. | Authenticating Wireless Person-to-Person Money Transfers |
JP5139715B2 (en) * | 2006-04-25 | 2013-02-06 | Kddi株式会社 | Financial transaction service method and financial transaction service system using mobile phone |
EP1980984A3 (en) * | 2006-07-06 | 2011-03-02 | Firethorn Holdings, LLC | Methods and systems for making a payment via a paper check in a mobile environment |
US8160959B2 (en) * | 2006-07-06 | 2012-04-17 | Firethorn Mobile, Inc. | Methods and systems for payment transactions in a mobile environment |
JP2008027319A (en) * | 2006-07-25 | 2008-02-07 | Ntt Docomo Inc | Inter-terminal remittance system and inter-terminal remittance method |
-
2009
- 2009-05-07 US US12/437,475 patent/US20100057614A1/en not_active Abandoned
- 2009-07-07 EP EP09811889.6A patent/EP2347376A4/en not_active Withdrawn
- 2009-07-07 WO PCT/US2009/049798 patent/WO2010027558A2/en active Search and Examination
- 2009-07-07 KR KR1020117007037A patent/KR101457750B1/en not_active IP Right Cessation
- 2009-07-07 JP JP2011525036A patent/JP5524210B2/en not_active Expired - Fee Related
- 2009-07-07 CN CN2009801342836A patent/CN102216943A/en active Pending
Non-Patent Citations (1)
Title |
---|
No further relevant documents disclosed * |
Also Published As
Publication number | Publication date |
---|---|
CN102216943A (en) | 2011-10-12 |
JP5524210B2 (en) | 2014-06-18 |
US20100057614A1 (en) | 2010-03-04 |
JP2012501495A (en) | 2012-01-19 |
KR101457750B1 (en) | 2014-11-04 |
EP2347376A2 (en) | 2011-07-27 |
WO2010027558A2 (en) | 2010-03-11 |
KR20110057189A (en) | 2011-05-31 |
WO2010027558A3 (en) | 2011-05-05 |
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Legal Events
Date | Code | Title | Description |
---|---|---|---|
PUAI | Public reference made under article 153(3) epc to a published international application that has entered the european phase |
Free format text: ORIGINAL CODE: 0009012 |
|
17P | Request for examination filed |
Effective date: 20110325 |
|
AK | Designated contracting states |
Kind code of ref document: A2 Designated state(s): AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HR HU IE IS IT LI LT LU LV MC MK MT NL NO PL PT RO SE SI SK SM TR |
|
AX | Request for extension of the european patent |
Extension state: AL BA RS |
|
RAP1 | Party data changed (applicant data changed or rights of an application transferred) |
Owner name: FIRETHORN MOBILE, INC |
|
DAX | Request for extension of the european patent (deleted) | ||
RAP1 | Party data changed (applicant data changed or rights of an application transferred) |
Owner name: QUALCOMM INCORPORATED |
|
A4 | Supplementary search report drawn up and despatched |
Effective date: 20131022 |
|
RIC1 | Information provided on ipc code assigned before grant |
Ipc: G06Q 20/00 20120101AFI20131016BHEP Ipc: G06Q 40/02 20120101ALI20131016BHEP Ipc: G06Q 20/40 20120101ALI20131016BHEP Ipc: G06Q 20/10 20120101ALI20131016BHEP |
|
17Q | First examination report despatched |
Effective date: 20160504 |
|
STAA | Information on the status of an ep patent application or granted ep patent |
Free format text: STATUS: THE APPLICATION IS DEEMED TO BE WITHDRAWN |
|
18D | Application deemed to be withdrawn |
Effective date: 20160915 |